Citi Double Cash Card Review

Citi Double Cash Card is a cashback credit card issued by Citibank. 

Fair credit. This card is designed for people with fair credit. The minimum credit score to apply is 640.

If you're wondering whether Citi Double Cash Card is the right card for you, read on. This is everything you need to know to make a good choice.

Is there a Citi Double Cash Card cash back or rewards program?

Citi Double Cash Card is a cashback card. This means you earn a percentage of your purchase as a cash reward. With Citi Double Cash Card you receive 1% cash back on every purchase. For example, if you buy a $1,000 laptop, you will receive $10 back in cash.

Citi Double Cash Card Rewards

Rewards rate (all purchases)	1%
Max rewards rate	N/A
Annual rewards limit	N/A
Signup Bonus ($)	$100
Signup Bonus Spend Requirement	$500

What are the Citi Double Cash Card benefits?

Citi Double Cash Card provides the following benefits:

• Emergency Support
• Fraud Liability
• Travel Assistance
• ID Theft Protection
• Reports to major credit bureaus

What are the relevant APRs for Citi Double Cash Card?

Citi Double Cash Card has a variable purchase APR that ranges from 14.99% up to 24.99%. The card has a variable balance transfer APR that ranges from 14.99% up to 24.99%.

It also has a variable cash advance APR starting at 26.74% . Note that late payments are subject to an APR of 29.99% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.

What are the Citi Double Cash Card fees?

No Annual Fee. Citi Double Cash Card does not charge an annual fee.

3% Foreign transaction fees. Citi Double Cash Card charges a foreign transaction fee of 3%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $60. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge a foreign transaction fee.

The following fees apply to Citi Double Cash Card:

Citi Double Cash Card Fees

Fees	Amount
Annual Fee	$0
Foreign Transaction Fee	3%
Balance Transfer Fee	3%
Minimum Balance Transfer Fee	$5
Returned Payment Fee	$35
Late Payment Fee	$35

Does Citi Double Cash Card report your account activity to credit bureaus?

Citi Double Cash Card reports your account activity to the following credit reporting agencies:

• Equifax
• Experian
• Transunion

Making regular and on-time payments on a credit card that reports your account activity to credit bureaus will demonstrate that you consistently manage debt well and can help increase your credit scores.

How to apply for Citi Double Cash Card

• Visit the Citibank website.
• Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, annual income, and source of employment.
• Check the information is accurate and submit your application.
• If you're denied click here to find out why your application may have been rejected and what you can do about it.